| 10/21/2017 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Hello, I am reaching out to the Virginia Office of the Attorney General in reference to making an Official Complaint against a Business in Virginia. The Company in question is XXXX XXXX XXXX XXXX. They are based in XXXX XXXX, VA. I purchased a vehicle from XXXX XXXX in XX/XX/XXXX The vehicle was repossessed in XX/XX/XXXX. The problem/complaint that I have is XXXX XXXX XXXX XXXX sold the vehicle at an auction and only reported the balance at " XXXX '' to XXXX, the other two Credit Bureau says the account is " Open '' with a balance.
The way I found out that XXXX XXXX XXXX XXXX sold the vehicle and cleared it out on the XXXX side-only is because I went through a Third-party Credit Repairing agency " XXXX XXXX '', they reported to me that the account had been reported as a " XXXX '' balance and Ultimately this account was removed from my Credit Report for XXXX. XXXX XXXX XXXX XXXX obtained a Wage Garnishment against me on Several Occasions and when I am " Served '', I am told by the Attorney representing XXXX XXXX XXXX XXXX that the Case has been Dismissed beforehand. Come to find out, my Previous Employer was Threatened by the Attorney representing XXXX XXXX XXXX XXXX into a Payment before the Court Date.
I currently have a new vehicle through my bank ( XX/XX/XXXX-Current ), and I 've had it since the Account from XXXX XXXX XXXX XXXX was " removed '' from my XXXX credit report by XXXX XXXX XX/XX/XXXX. When I found out what XXXX XXXX XXXX XXXX reported and Failed to Report, I began investigating my own Credit Reports. Which led me to Filing an Official Complaint against the Business.
I would like to see XXXX XXXX XXXX XXXX to cease any and all Collection Action against an Account that was XXXX out back in XX/XX/XXXX and I also need all the Money that was Garnished from my net pay refunded as well as the Money paid directly to the Collection Agency " XXXX XXXX XXXX XXXX ''.
I have also got into contact with " XXXX XXXX XXXX XXXX '' to see about getting an Update on the " Account ''. While talking to the call-taker, I mentioned that I have a New Car, her mood and demeanor changed into more of a " Shocked '' personality, in a way that she did not want to continue talking to me on the phone.
In closing, I believe I have been Scammed by XXXX XXXX XXXX XXXX and I also believe that Federal Law have been Violated. There 's a Complaint giving to the Consumer Financial Protection Bureau which created a Complaint of the Federal Trade commission databases. I look forward in speaking to a representative via phone or email that will be provided.
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| 12/04/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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Ok on XX/XX/2018 a guy from XXXX came to Estimate hiw much it will cost for a tub replacement. He said I can get a discount if I provide him with my SSN which I did. Then he told me that I can not get the discount because I was not qualified for it. Come to find out he lied and it was for a finance check to see if I can get finance for the replacement. Well I reported XXXX and because of all the lies the guy told me, XXXX gave me the replacement for free which was a {$5300.00} tub free. Well I just checked my XXXX XXXX and it shows for hard inquiries that Hrac/Hampton Road for home improvement on the date : XX/XX/2018 still shows on my credit report which should not show because I never gave permission to check or apply for fiance that is why I got a free tub and the guy was fired to begin with. I contact Hampton at XXXX and they told me that because I signed the paper, they can not remove if my credit. I told him that I have XXXX and that I can not read or write that will and that the XXXX guy told me what I was signing which was not a financial or a financing paper. That is also why I got a free bath from XXXX because it was a violation that they did agenst persons with XXXX from the ADA. Now I have to go though all this once more because this is showing up on my report which they had no business asked for in the first place. Now I thought my business with XXXX was over now I have to fight to remove this from my credit which I never gave them permission to start with. I am asking for {>= $1,000,000} for pain and suffering because I have alot of XXXX XXXX and this is efficient this is a major way.
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| 07/11/2016 |
No |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX bought a contract from Hampton Roads Finance Company LLC, that the original Creditor Hampton Roads Finance Company LLC had Written Off Profit and Loss with a {$0.00} balance. Hampton Roads Finance Company LLC only reported accurately to XXXX. Both XXXX and XXXX report the account CLOSED/DEROGATORY with a balance but no Closed Date. Originally, the account was Open XXXX XXXX and Closed XXXX XXXX, the vehicle was repossessed around XXXX XXXX and sold at an Auction. The reason that this Debt is not mine is because the original Creditor Hampton Roads Finance Company LLC only reported accurately to XXXX that the Account was CLOSED/DEROGATORY Written Off Profit and Loss with a {$0.00} balance. Also, the Original Creditor Hampton Roads Finance Company LLC shutdown as of XXXX XXXX. How can Hampton Roads Finance Company LLC continue to report fraudulent account activity to XXXX and XXXX. Also, Hampton Roads Finance Company LLC can not report to XXXX because the Account Open and Closed Dates will be Unlawful and Unfair and they would have to commit forgery of my Signatory as well as Generate a Contract. I 've hired XXXX XXXX, Although they can not represent me, they were able to Challenge both the Creditor and XXXX and remove Negative Items. Hampton Roads Finance Company LLC was Removed from my XXXX Credit Report on XX/XX/XXXX with a Balance of {$0.00}.
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| 09/21/2022 |
No |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
Servicemember |
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Hampton Roads Finance Company LLC has not responded to the last complaint and is still illegally attempting to garnish my wages through my employer and violating the Dodd-Frank Consumer Protection Act. While serving XXXX XXXX around XXXX was sold a XXXX XXXX XXXX with high mileage and engine issues through Hampton Roads Finance Company at XXXX XXXX XXXX VA XXXX, XXXX ( XXXX ) XXXX for {$15000.00}. The vehicle was voluntarily surrendered after falling behind in payments since I had to pay for repairs and was only making a XXXX salary in the XXXX XXXX XXXX. Which at the time they threatened and contacted through my Navy chain of command which instructed me to return the vehicle. They wrote off the account at {$10000.00} and sold the vehicle at auction at an unknown price. Today I am a XXXX veteran on a fixed income and they have and are still threating contact through my current employer 10 years later and threating legal action if they don't garnish my account on their behalf. They have so far received over {$11000.00} of my salaried money using this illegal tactic. They have told my employer I owe them {$43000.00} for a vehicle that would only be worth between $ XXXX {$4900.00} based on kelly blue book value. The contact that works for the company illegally operating is XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX Virginia, XXXX XXXX.
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| 04/22/2023 |
No |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
Servicemember |
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Hampton Roads Finance Company LLC has not responded to the last complaint and is still illegally attempting to garnish my wages through my employer and violating the Dodd-Frank Consumer Protection Act. While serving XXXX XXXX around XXXX was sold a XXXX XXXX XXXX with high mileage and engine issues through Hampton Roads Finance Company at XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ( XXXX ) XXXX for {$15000.00}. The vehicle was voluntarily surrendered after falling behind in payments since I had to pay for repairs and was only making a XXXX salary in the XXXX XXXX XXXX. Which at the time they threatened and contacted through my XXXX chain of command which instructed me to return the vehicle. They wrote off the account at {$10000.00} and sold the vehicle at auction at an unknown price. Today I am a XXXX veteran on a fixed income and they have and are still threating contact through my current employer 10 years later and threating legal action if they don't garnish my account on their behalf. They have so far received over {$11000.00} of my salaried money using this illegal tactic. They have told my employer I owe them {$43000.00} for a vehicle that would only be worth between $ XXXX {$4900.00} based on XXXX XXXX XXXX XXXX. The contact that works for the company illegally operating is XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX.
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| 09/14/2018 |
No |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
Older American, Servicemember |
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In the process of refinancing my home and title company receives a demand for payment from XXXX XXXX XXXX XXXX XXXX XXXX in the amount of XXXX for a debt that was discharged in a Chap. XXXX filing on XX/XX/2011. I contacted them in reference to this notice and explain that this debt was discharged in bankruptcy and was advised that chapter XXXX only discharged my personal liability and not the lien that they referenced in the letter. I advised " XXXX '' that I didn't own the home during that time and they couldn't attach asset obtained after Chap XXXX and I would check with an attorney. I then ask him about the amount owed and he stated it was due to the interest that had accumulated over the years. I advised him I would need to speak to an attorney and wanted info on the original amount shown in his system before interest charged. He stated couldn't give me any more info because I stated I would speak to a lawyer and hung up. Call back and got the same rep who hung up as soon as I started talking.
The letter they sent to title company provided a case number for judgement lien, which I checked with the court CMS system and its for a case where the " lien '' garnishment was released after Chapter XXXX was filed. They misrepresented information sent to XXXX XXXX.!
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| 10/09/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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This account With XXXX XXXX XXXX XXXX was charged off in XX/XX/XXXX. They Have been updating this account with negative and positive payment history. The latest update was XX/XX/XXXX. I have NOT made a payment on this account since XXXX. this why the account was closed and charged off.
They are illegally Re-aging this account on my Credit Report. This is affecting my credit score in a negative way. Which is a CLEAR violation of the Fair Reporting Credit Act. They are updating my account as if it is still open. I've contacted this company they where rude and unhelpful. I'v also disputed this account with all 3 Credit Bureau 's . They Did nothing as well.
I hope this get this problem solved thank you
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| 06/23/2022 |
No |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
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|
Web |
Servicemember |
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While serving XXXX XXXX around XXXX was sold a XXXX XXXX XXXX with high mileage and engine issues through XXXX XXXX XXXX XXXX at XXXX XXXX XXXX VA XXXX, XXXX ( XXXX ) XXXX for {$15000.00}. The vehicle was voluntarily surrendered after falling behind in payments since I had to pay for repairs around XXXX a year later. They wrote off the account at {$10000.00} and sold the vehicle at auction at an unknown price. Today they have contacted my current employer 10 years later and threating legal action if they don't garnish my account on their behalf. They have so far received over {$10000.00} of my salaried money using this illegal tactic.
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| 11/09/2016 |
No |
- Consumer Loan
- Installment loan
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- Problems when you are unable to pay
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Web |
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Chapter XXXX Bankruptcy discharged in XXXX but still reported as a charge off, open and derogatory on XXXX and XXXX. Have disputed several times but they just do n't understand FCRA RULES! Now the company website says permanently closed and they do not respond to disputes.
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| 07/30/2020 |
No |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem with the payoff process at the end of the loan
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Referral |
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| 07/27/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
|
|
Phone |
Older American |
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| 06/29/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
Older American |
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|
| 07/28/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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| 11/03/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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| 06/26/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
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| 06/18/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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|
| 04/28/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Shopping for a loan or lease
|
|
Phone |
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| 03/30/2015 |
No |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
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